Reply
New Contributor
StartingFresh
Posts: 58
Registered: ‎07-08-2007
0

So here is the reply to my PFD letter.

[ Edited ]
RE: CONSUMER DISPUTE
 
Recently, our office received a dispute from  you about a collection on your credit file.
 
In order to process this dispute, please provide the following information:
 
1. Identify the specific item of information that is in dispute.
2. Explain the basis for the dispute.
3. Include all supporting documentation to substatntiate the basis of the dispute.
 
Once the requested information/documentation is received, your dispute will be processed.
 
Sincerely,
Rhonda
 
I am contemplating a reply along these lines:
 
Dear Rhonda,
 
Thank you for acknowledging that you have received my letter disputing the debt you are reporting.
 
In my original communication, I provided you the information available to me on my credit report, namely that you claim I owe you a debt of $38.00. Since your letter dated July 16, 2007 was the first communication I have received from you regarding this matter, I am submitting no documentation regarding this debt. On the contrary, I am requesting documentation from you. In accordance with FDCPA I request immediate validation of this debt.
 
I await your reply,
 
Sincerely,
 
XXXXXXX
 
 
Send it CMRRR and then immediately dispute with the credit bureau?
 
Edit: My thought upon reading this was:
 
1. They are trying to stall for time.
2. WTF, they want me to prove I DON'T owe something?
3. I'm not sending them a **bleep** thing or one red cent until I see whatever it is that they claim I owe.
 
 
 
 


Message Edited by StartingFresh on 07-19-2007 06:36 PM
The price of freedom is eternal vigilance.
--Thomas Jefferson.
They may not have had CRAs in his time, but the man was wise.
Established Contributor
FICO_Focused
Posts: 905
Registered: ‎05-09-2007
0

Re: So here is the reply to my PFD letter.

Member
powerup
Posts: 47
Registered: ‎07-18-2007
0

Re: So here is the reply to my PFD letter.

The letters that I have seen like this one. They are basically stalling. Don't provide them with any information. They are the ones that should be able to validate it under the FDCPA.
Moderator Emeritus
HappyDays
Posts: 7,326
Registered: ‎06-18-2007
0

Re: So here is the reply to my PFD letter.

who the heck is the CA that sent that to you. I hope it is the same one Im working on.  lmao
New Contributor
StartingFresh
Posts: 58
Registered: ‎07-08-2007
0

Re: So here is the reply to my PFD letter.



HappyDays wrote:
who the heck is the CA that sent that to you. I hope it is the same one Im working on.  lmao


CBCS Collections.
 
Seemed weird and a bit shady.
The price of freedom is eternal vigilance.
--Thomas Jefferson.
They may not have had CRAs in his time, but the man was wise.
Moderator Emeritus
HappyDays
Posts: 7,326
Registered: ‎06-18-2007
0

Re: So here is the reply to my PFD letter.

 I would take that as...So sorry but who are you? we don't have any records!  lmao

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}